SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1     10     13     16     17     18     20     21     22  
                23     24     25     26     27     29     30     31     33  
                34     35     38     41     45  
BENTSEN         14     15     16  
CARNELL         34     35  
HART            27     28     29  
KELLY           10     11     12     13  
LUCAS           30     31  
NORTH           39  
POWELL           4     11     12     13     15     16     17     18     19  
                20     21     22     23     26     27     28     29     31  
THOMAS          33     42  
WATERS          24  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. DONALD E. POWELL, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE     4

STATEMENT OF RICHARD S. CARNELL, Ph.D., ASSOCIATE PROFESSOR OF LAW, FORDHAM UNIVERSITY SCHOOL OF 
LAW
                                                                 PAGE    34

STATEMENT OF NOLAN L. NORTH, VICE PRESIDENT AND ASSISTANT TREASURER,  T. ROWE PRICE ASSOCIATES, 
INC., ON BEHALF OF THE ASSOCIATION FOR FINANCIAL PROFESSIONALS
                                                                 PAGE    38

STATEMENT OF KENNETH H. THOMAS, Ph.D., LECTURER IN FINANCE, THE WHARTON SCHOOL, UNIVERSITY OF 
PENNSYLVANIA
                                                                 PAGE    42


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING